insurance companies place greater peace of mind yappari?

When entering into insurance, “it probably will enter into some insurance?”When with you are troubled, simultaneously, “the insurance company of somewhere probably will be good?”With is not to be perplexed, probably will be?

When the katakana life insurance of foreign owned effort is being put into or mail order and the announcement where the familiar domestic life insurance which has history is good being good, or the loss preservation type life insurance where the unique commodity is many being good, there is just this as for squeezing to one company being very difficult, the shank.In addition, it is troubled even at the kind of company which collapses contract midway you think that and, also the kind of company which causes problem would like to avoid, probably will be.Then, before joining to insurance, we would like us to convey the point which checks the safety of the insurance company.

Two points which check the degree of safety of the insurance company

The ordinary life insurance 4 corporation following one another in 2000, it failed.That time, “it was good being the large company!”You think that with either the people who lowered with the chest were not few.As for the financial institution such as the insurance company and the bank, being large extent safe, the kind of air which can do reliance does, but size is not the scale which shows the health of management.When to that, you look at the news of the recent insurance money default, illegality is not done also cannot call the large company, don’t you think?.

there, when choosing an insurance company, material as the most representative way to determine whether it is good financial health of insurance companies that, rating and solvency margin ratio there are things that. first, rating let’s start by discussing.

rating to check the

rating of insurance companies, financial history of the content and organization, to determine the overall content business from every angle, etc., private credit rating agencies have to evaluate the financial strength and ability to pay insurance money. rating as a private company is well known that the, standard&poor , moody’s japan , , rating and investment information center include. rating by these companies, you can see the home page of the internet (standard&poor’s case) .

ratings are, represented by a simple sign of their financial strength, shows clarity at a glance. to be more specific, AAAfromCCCfor up to7the stage is divided into, in order from the high credit ratings.AAA (tripleA) , B (singleB) are indicated by symbols such as. also, AAfromCCCthe rating is up to, may be put a minus sign or plus sign, evaluation has been further classified.

in general,, BBBor more safety, BBit is said that the following companies is dangerous, also in the evaluation of the same insurance company, determined by the rating agencies because of the different criteria, in some cases, a different evaluation. although it is not absolute this evaluation, if you want to compare insurance companies, 2it is safe and to keep watching the company’s evaluation rating of more than. since rating changes have been reviewed and environment, whenlet’s check.

solvency margin ratio to check the

the insurance company, representing the solvency margin of insurance at the time of closing solvency margin ratio to announce something called. the insurance company even if the risk exceeds the predictions of catastrophe, such as usually occurs, you must have sufficient solvency margin hold the. this exceeds the prediction of normal risk that of an indicator of solvency for solvency margin ratio this is called.

as more than the prediction of normal risk,
risk insurance: payment of insurance risk is growing exponentially due to the occurrence of a major disaster, such as
interest rate risk will be: risk is less than the interest rate yield of asset management plans due to the deterioration of the operational environment
asset management and risk: risk to a significant decline in asset value due to drastic changes in exchange rates and stock market rout, risk of bad debts due to a sudden increase in corporate bankruptcies of borrowers
risk management: management of the business, there is a risk, such as may occur beyond the normal expected.

solvency margin ratio is, 200%have become a measure of one is, this ratio is generally200%if more than, there solvency margin is said, has been no problem with the soundness of management. but, if you need to be careful too low compared with other insurance companies.

since life insurance is common to become long-term contract, subscriber before that you check the financial health of insurance companies is important. in fact, however, been recruited into acquaintance tsuitsui, people would have seen as many contract. check the two indicators, let’s choose a life insurance company be left in peace the life insurance contract.

(related links)
ratings and trying to determine the financial condition of insurance companies
Yahoo!insurance how to choose a life insurance company